General terms and conditions for participation in Goldex marketing program

The following terms and conditions represent the agreement between the company and the Buyer, the Holder of the order to participate in the Goldex advertising - marketing program.

Acceptance of the given Agreement gives possibility:

- For every Buyer, the Holder of the order - to participate in the Goldex marketing program and to receive a payment from the company for the successful advertising of goods and services provided by the Internet - shop;

- For the company - to receive an income from the sale of goods and services distributed through the Internet.

To participate in the Goldex marketing program it is necessary for the Buyer:

- To register in the Internet - shop.

- To place an Order for the purchase of the goods and services for the sum of 7.000.00€, including the Order processing fee of 7%.

- To pay a Coupon-order cost.

Coupon-order is a means of payment within the system.

The Coupon-order includes a prepayment for investment gold bars up to 100 grams and a subscription fee for the Internet service.

The Coupon-order cost for the Preliminary table is 150.00€, including the Internet service subscription fee of 20.00€.

The Coupon-order cost for the Main table is 540.00€, including the Internet service subscription fee of 40.00€ to pass two cycles of the Main table.

In the Goldex program a Buyer has a right to issue only one Order in the Internet - shop for the purchase of an investment gold for the sum of 7000€. After execution of an order, the Buyer may issue a new order or prolong a previous one.

Business-model of the Goldex marketing program

Marketing program Goldex is designed to assist only those who have a desire to promote the company's products over the Internet - shop in the world market and to receive credit bonuses from the company for advertising and attraction of new customers. An indispensable condition is that the marketing reward in the form of credit bonuses received for promotional activities and attraction of new customers, can only be used to purchase an investment gold bullion on account of execution of customer orders.

Business - model of marketing program Goldex consists of two tables of orders:

1. The preliminary table of orders.

2. The main table of orders.

The preliminary table of orders is designed to pass the buyer's order to the Main table of orders.

The main table of orders is designed to get credit bonuses for the payment of the buyer's order. For the full execution of the order, the buyer must pass a minimum of two cycles of the main table.

Orders with a payment of € 150 are placed on the preliminary table of orders.

Orders with a payment of 540 € are placed on the main table of orders

Concept of operations of the table of orders

Table of orders consists of four levels, which includes 15 orders of the buyers. The levels are arranged from top to bottom. Placement of customer orders is from left to right, also taking into consideration the recommendations made.

1st level - 8 orders;

2nd level - 4 orders;

3rd level - 2 orders;

4th level - 1 order.

All incoming customer orders are placed on the first level.

Once the first-level of the table of orders is filled with the customer orders, the table splits into two symmetric tables of orders. The order of the buyer moves down to the second level. At the first level of two new tables of orders 8 new empty places are formed for new customer orders.

As soon as the first level of table of orders fills up with 8 more new orders, the buyer’s order moves down to level 3, and again there is a division of the table of orders into two symmetrical tables. Then, the new filling of the first level with 8 orders, the Order of the buyer passes to 4th level.

At the following division of a table, to the order of the buyer Credit bonuses are charged and the Order of the buyer automatically passes:

- From the Preliminary table – to the first cycle of the Main table;

- From the Main table - to the second cycle and upon termination of the second cycle, again there is a charge of Credit bonuses.

On these Credit bonuses bars of investment gold are bought.

Preliminary table of orders

Roles for making an order for buying a set of investment gold bars using pre-registration of the order.

1. The client has the opportunity to pre-register the purchase order for sets of investment gold bars with a minimum amount of 7,000 euros.

2. When client makes a pre-registration, it is recorded on the preliminary accounting list and placed on the Preliminary table of orders.

3. All pre-registrations are placed on the first top level of the Preliminary order table, which has 8 free slots.

4. All pre-registrations are placed to the Preliminary order table by using activation coupons, company does not take the responsibility for clients exposing activation coupon data to third parties.

5. Client takes full responsibility for any possible loss and other consequences that may occur by providing coupon data to third parties.

6. Pre-registration order is placed strictly to superior sponsor's table.

7. If superior sponsor's order is located on the Main order table, when placing a pre-registration to the Preliminary order table, it is necessary to specify the direction for placing the order by providing registration ID of the customer, to who's Preliminary order table this registration should be placed to and confirm that.

8. In order to get the reward pre-registration should pass 4 levels of Preliminary order table with the structure they built, having at least two directly invited qualified online store clients on any level.

9. The reward for completing the Preliminary table is after 7 days have passed and only when payments from all customers placed at this table are received.

10. In order to get the reward it is necessary to pass the identity confirmation procedure (verification) by uploading a copy of your passport and a copy of a document confirming your address using Profile/My Documents section.

Qualification for Preliminary order table is

1. At least Two pre-registrations placed to the Preliminary table.

2. At least Two orders placed to the Main order table.

3. One pre-registration placed to Preliminary table and One order placed to the Main order table.

4. Qualifying conditions are introduced only for those clients who have registered starting with 15.06.2013 00:00. After 90 days, these conditions are introduced for all pre-registrations to the Preliminary table.

5. After Registration has completed the Preliminary table, order for buying set investment gold bars is formed and placed to the Main list and automatically to the Main order table to superior sponsor's table. Registrations passed from Preliminary to Main order table cannot be canceled.

6. Pre-registration is intended only for placing an order to the Main order table.

Bonus rewards on the Preliminary table.

1. For completing Preliminary table, forming the order and placing it to the Main table, Client gets bonus reward if it has at least two customers invited to the Main table or at least two pre-registrations placed to the Preliminary table. Qualification for getting the bonus reward can be done on any level.

2. The Reward is 1040 credit bonuses, 7% of which is charged as a fee for processing the order, 540 credit bonuses – for placing order to the Main table. The amount left is automatically used to buy gold, that the customer can later sell back to the company.

3. If a customer with a Pre-registration is completing 4 levels of Preliminary table without having invited clients or having invited only one client, its registration is eliminated from the marketing program and it gets refunded with the amount spent on the registration of EUR 150 which is credited to the internal euro account. Its superior sponsor keeps the qualification for the Preliminary table and it is given the opportunity to move to the Main order table.

Client who has left the Marketing program has 5 options.

1. Buy a coupon for Pre-registration and place it to the Preliminary table, according to the initial registration, with the same sponsor.

2. Buy a coupon, make a new registration and place it to the Preliminary order table with the new sponsor.

3. Make an additional payment of 400 euros and place the order to the Main table.

4. Make a purchase of gold with total amount of 150 EUR.

5. Withdraw funds to its personal bank account.

Registration cancellation right.

1. Incorrect placement is considered to be within 24 hours and may be corrected by the company.

2. Cancellation of a Pre-registration is made within 72 hours after the moment of registration. After this period, all monies are transferred to the fund of rewards and incentives and are non-refundable.

3. If, within 72 hours from the time of pre-registration on the table, the client makes a statement on the complete cancelation of the order and its order is on the second, third or fourth level, he pays a fee for technical changes of returning the tables to their original positions at a rate of 80 euros. (Two technical coupons 40 euros each)

4. For registration cancellations within prescribed time of 72 hours the registration is removed from the Preliminary table and eliminated from the Marketing program without recovery option.

5. Customer data is blocked from receiving a reward for 180 days.

6. Funds are credited to customer's internal account and can only be used for withdraw to its personal bank account.

7. Customer has the right to make a new registration only after 180 days.

Change of the Sponsor.

1. Change of the sponsor can only be done within 72 hours from registration time.

2. Within 24 hours change of the sponsor will be made on customer's request and its registration will be transferred to the table of the new partner.

3. In the remaining 48 hours change of the sponsor is made using technical coupon of 40 Euros.

4. After this period, the change of the sponsor can be made only after 180 days, in case the was no activity and new registrations under customer's registration for 180 days (this information is accessible in the “Information” section) and only having invited two new direct clients.

Change of the Table.

1. Pre-registration can be transferred to another table only from the first level of the Preliminary table within 24 hours, at the request of the customer, in case the sponsor is on the Main table. If a change of sponsor was made, the registration is transferred to the table of new sponsor.

2. In the remaining 48 hours transfer of the pre-registration to another table without changing the sponsor is possible if sponsor's order is placed on the Main table. Payment is made using technical coupon of 40 Euros.

3. If, within 72 hours from the time of pre-registration on the table, the client makes a statement on the transfer of pre-registration to another table and it is placed on the second, third or fourth level, he pays the fee for returning the tables to its original state at a rate of 80 euros. (two technical coupons of 40 euros each)

4. Transfer of the pre-registration to another table in order to close the table is not allowed.

5. After 180 days client's registration can be transferred to another table if it is still located on the first level. Orders under that order also located on the first level are transferred as well.

6. If the registration is on the second, third or fourth level, its transfer to another table is not possible.

7. Any changes within 72 hours can only be done once, you lose the right to cancel the pre-registration, or make any other changes.

Conditions and procedures for calculation of the credit bonuses for the main table of orders

The minimum condition for reception of credit bonuses:

The buyer, the Owner of the order should involve two new orders for the Main table of orders. These involved orders will be considered at all subsequent cycles.

The order of the buyer, for its full execution, should pass a minimum of two cycles of the Main table of orders. For this purpose the Buyer should involve two new Orders on the Main table, being at the first or second level of the first cycle of the Main table.

If this condition is done then upon termination of each cycle, to the order of the buyer bonus compensation at a rate of 3500 credit bonuses is charged, from which 245 credit bonuses (7 %) as gathering for order processing is subtracted. On the remained 3255 credit bonuses bars of investment gold are bought.

On termination of the Order, the Buyer can issue a new Order or prolong an action of the previous one, by reinvesting 540 credit bonuses. Participation of the Buyer in marketing program Goldex proceeds, earlier involved orders are considered at the subsequent charge of credit bonuses.

Special conditions for charging of credit bonuses to the Main table of orders

Special conditions of charging of credit bonuses operate in case the Buyer hasn't involved two new Orders on the Main table, being at the first or second level of the first cycle of the Main table.

To the order of the buyer credit bonuses are charged depending on the level where the Order is at the moment of receipt of a minimum of two involved Orders, which are considered at each cycle of the Main table.

Quantity of credit bonuses charged for one of two qualifying orders:

1. The order of the buyer at 1 or 2 level – 1750 credit bonuses

2. The order of the buyer at 3 level – 1250 credit bonuses

3. The order of the buyer at 4 level – 750 credit bonuses

One involved Order at any level or none involved Orders of the Buyer on the Main table, don't grant the right to the Order of the buyer for compensation reception. This cycle isn't considered as the execution of order. Credit bonuses are not charged.

The Buyer’s order automatically goes to the cycle beginning until the marketing condition of involving at least two orders will be done. The Buyer’s order returns to the beginning position and starts the movement again to get the reward. The involved Order is saved for the second cycle.

If the Owner of the order involves new orders in the second cycle of the Main table, the Order obtains a reward according to its arrangement on the Main table in this cycle.

In the second cycle of the Main table bonus compensation will be defined taking into account the results of the first cycle.

If the Buyer being at the 1st or 2nd and 4th level in the first cycle involves two new orders, then it is enough for the Buyer being at the 1st or 2nd level in the second cycle to involve one new order to pass the second cycle and get a maximum reward for the second cycle with two orders involved at the 1st and 2nd level for two cycles.

If two orders were involved at the 3rd and 4th level in the first cycle, then it is necessary for the Buyer to involve two new orders at the 1st or 2nd level in the second cycle to pass the second cycle and get a maximum reward with two orders involved being at the 1st and 2nd level.

If to the order of the buyer maximum compensation isn't charged after passage of two cycles of the Main table, the Owner of the order has the right to finish the Order at the expense of money resources to the full sum of execution of the order and to receive bars of investment gold or to receive already available bars from storehouse or to sell them back to the company. The order will be considered as finished. The buyer can issue a new order by reinvesting 540 credit bonuses for 2 more cycles.

Change of Sponsor

If within 90 days under your order in your structure there were new orders placement, you are able to change your sponsor under the following terms:

1. If your order is located only in the Main table, to change your sponsor you need to involve two new invitees in the Main table. A new sponsor shall have the completed qualification The change of the Sponsor in order to obtain qualification is not permitted. You can change the sponsor through the technical coupon.

2. If your order is located only on the Golden Link table, to change your sponsor you need to involve one new invitee in the Golden Link table. A new sponsor shall have the completed qualification The change of the Sponsor in order to obtain qualification is not permitted. You can change the sponsor through the technical coupon.

3. If your order is located both in the Main table and in the Golden Link table, to change your sponsor you need either to involve two new invitees on the Main table, or one new invitee on the Main table and one invitee in the Golden Link table. A new sponsor shall have the completed qualification The change of the Sponsor in order to obtain qualification is not permitted. You can change the sponsor through the technical coupon.

Leadership Program

The order of the buyer gets additional bonus reward (bonus units) when under this Order two direct involved Orders get reward (the first cycle) and under each of them two more Orders get reward (the first cycle).

The Order of the buyer starts to move ahead in a leadership program and take part in the Internet – shop profits.

Bonus units are used to buy an investment gold only.

In the leadership program the bonus units are credited to the Order of the buyer under the following formula:

Number of the received credit bonuses of the involved Order at the end of each cycle divided by a constant of 500.

Leadership program has 12 levels, the levels are arranged from bottom to top:

12th level 200000 units 32.0 credit bonuses

11th level 100000 units 31.0 credit bonuses

10th level 50000 units 29.5 credit bonuses

9th level 25000 units 27.5 credit bonuses

8th level 10000 units 25.0 credit bonuses

7th level 5000 units 22.5 credit bonuses

6th level 2500 units 20.0 credit bonuses

5th level 1000 units 17.5 credit bonuses

4th level 500 units 15.0 credit bonuses

3rd level 250 units 12.5 credit bonuses

2nd level 100 units 10.0 credit bonuses

1st level 7.5 credit bonuses

Example: The Order of the buyer is at the first level of Leadership program:

3500/500 = 7.0 units * 7.5 = 52.50 credit bonuses

Sale, storage and gold delivery

The Holder of the order has a right:

1. To sell gold bars back to the Company at a purchase price of the present day.

2. To leave the bought gold bars for safekeeping in a certified depository.

3. To receive the bought gold bars by the insured mail or to receive them from the depository.

The buyer pays all delivery costs of gold bars.

Delivery cost is defined by postal service according to the location of the issuer. Calculation will be effected in automatic mode after filling the corresponding form. In those countries where the VAT and import taxes on precious metals applied, the Buyer takes responsibility for the Order delivery himself.

In those countries where there are VAT and import taxes on precious metals, the Buyer takes responsibility for the Order delivery himself.

The safekeeping fee for the gold in the certified depository is 1.2 % per year or 0.1% per month of the value of the Buyer’s gold bars.

Safekeeping fee undertakes the first day of every month for the gold bars stockpiled in the depository on this day.

The Buyer making an Order under Goldex program, has a right to cancel the Order without giving reasons within 2 weeks after placing an Order online. Cancellation is made via e-mail.

The Buyer pays the storage and the delivery expenses.

At any stage of the Order the Holder of the order has a right to make additional payment to the full amount of the Order and to receive an investment gold.

In all other cases of the Order cancellation the Buyer has to pay the order processing fee.

Date of the Order cancellation

Date of the order cancellation is estimated from the day when the Buyer placed an Order in the Internet – shop.

Taxes

The Buyer takes responsibility himself for the tax payments from the incomes of participation in the Goldex program.

We reserve the right to make changes to rules and regulations without prior notice.

General terms and conditions

ofInternet-shop trade deal agreement

TheInternet-shop is intended for purchase and sale of an investment gold in bars.

Investment gold is the high purity 999.9/1000 gold in 1 to 100 grams bars.

Gold bars are bought and sold in the Internet-shop in any quantity and any values from 1 to 100 grams.

Bars delivery is carried out by the insured mail or they can be received by prior arrangement in the delivery department in Germany, as well as they can be left for safekeeping in the certified depository of precious metals.

Delivery of gold bars is carried out by the Express Delivery Service INTEX Paketdienst GMBH. Delivery cost is specified by the postal service depending on the country of destination, the cost of the content and insurance. VAT of 19% is also included into the price.

The gold storage cost is 0.1 % per month of the value of the gold stockpiled in depository on the first day of every month.

To buy the investment gold it is necessary:

To register in the Internet – shop.

To choose bars and place an order.

Euro account will be opened for the Buyer in the Internet-shop for the further service of the Order.

In case of Buyer’s payment for the Order and Company’s services is through bank transfer, the company will send an invoice to the Buyer. An invoice will be sent to the Buyer’s e-mail stated at the registration.

According to the invoice rendered the Buyer is to make a bank transfer. Money will be deposited at its internal account. Using it the buyer may buy inversion gold bars for the online shop when it is convenient to the Buyer. The Company takes a fee for an order processing at the amount of 7% of the bars value.

As the gold market price may change several times a day, a Buyer must make a bank transfer and send a copy of payment by e-mail to the delivery department within 24 hours.

If confirmation of a payment for the Order is not received within 24 hours, the Order will be canceled.

We reserve the right to make changes to rules and regulations without prior notice.

This website is not intended for distribution to, or use by any person or entity that is a resident of or located in any jurisdiction where such distribution or use would be in contravention of law or regulation or which would subject EMGX F.S. Ltd or any of its affiliate companies or entities to any registration or licensing requirement in that jurisdiction.

This website and the Information are publications of EMGX F.S. Ltd and are not intended to constitute legal, tax, accounting, securities, or investment advice, nor any opinion regarding the appropriateness or suitability of any investment or strategy. This website shall not constitute an offer or a solicitation of an offer to buy or sell any investment product or service to any person or entity in any jurisdiction.

Products named in the site are only available to residents of countries where offers of such products are permitted by law.